Comprehensive Stock Comparison
Compare Jiayin Group Inc. (JFIN) vs Alphabet Inc. (GOOGL) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | GOOGL | 15.1% revenue growth vs JFIN's 6.1% |
| Value | JFIN | Lower P/E (1.7x vs 27.3x), PEG 0.11 vs 0.91 |
| Quality / Margins | GOOGL | 32.8% net margin vs JFIN's 26.2% |
| Stability / Safety | GOOGL | Beta 0.99 vs JFIN's 1.08 |
| Dividends | JFIN | 12.8% yield, 2-year raise streak, vs GOOGL's 0.3% |
| Momentum (1Y) | GOOGL | +83.6% vs JFIN's -25.5% |
| Efficiency (ROA) | GOOGL | 22.2% ROA vs JFIN's 21.6%, ROIC 24.7% vs 39.9% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Jiayin Group operates a Chinese fintech platform connecting individual borrowers with institutional funding partners for online consumer loans. It generates revenue primarily from loan facilitation fees — taking a percentage of each transaction — along with referral fees for investment products and various technical support services. The company's competitive advantage lies in its proprietary risk assessment technology and established network of financial institution partnerships in China's regulated lending market.
Alphabet is a technology conglomerate best known as the parent company of Google, which dominates the digital advertising market through search, YouTube, and display ads. It generates over 80% of its revenue from advertising, with the remainder coming from Google Cloud services, hardware sales, and subscription products like YouTube Premium. Its primary moat is the massive network effect of its search ecosystem — billions of users, advertisers, and content creators locked into its platforms through data, scale, and habit.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
JFIN leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). GOOGL leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Financial Metrics (TTM)
GOOGL is the larger business by revenue, generating $402.9B annually — 61.6x JFIN's $6.5B. GOOGL is the more profitable business, keeping 32.8% of every revenue dollar as net income compared to JFIN's 26.2%. On growth, GOOGL holds the edge at +18.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | JFINJiayin Group Inc. | GOOGLAlphabet Inc. |
|---|---|---|
| RevenueTrailing 12 months | $6.5B | $402.9B |
| EBITDAEarnings before interest/tax | $2.1B | $150.2B |
| Net IncomeAfter-tax profit | $1.7B | $132.2B |
| Free Cash FlowCash after capex | $0 | $73.3B |
| Gross MarginGross profit ÷ Revenue | +80.9% | +59.7% |
| Operating MarginEBIT ÷ Revenue | +32.1% | +32.0% |
| Net MarginNet income ÷ Revenue | +26.2% | +32.8% |
| FCF MarginFCF ÷ Revenue | +11.8% | +18.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +1.8% | +18.1% |
| EPS Growth (YoY)Latest quarter vs prior year | +44.9% | +31.2% |
Valuation Metrics
At 2.2x trailing earnings, JFIN trades at a 92% valuation discount to GOOGL's 28.8x P/E. Adjusting for growth (PEG ratio), JFIN offers better value at 0.15x vs GOOGL's 0.97x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | JFINJiayin Group Inc. | GOOGLAlphabet Inc. |
|---|---|---|
| Market CapShares × price | $700M | $1.69T |
| Enterprise ValueMkt cap + debt − cash | $629M | $1.73T |
| Trailing P/EPrice ÷ TTM EPS | 2.24x | 28.84x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.67x | 27.26x |
| PEG RatioP/E ÷ EPS growth rate | 0.15x | 0.97x |
| EV / EBITDAEnterprise value multiple | 3.41x | 11.54x |
| Price / SalesMarket cap ÷ Revenue | 0.83x | 4.20x |
| Price / BookPrice ÷ Book value/share | 0.75x | 9.18x |
| Price / FCFMarket cap ÷ FCF | 6.99x | 23.10x |
Profitability & Efficiency
JFIN delivers a 39.7% return on equity — every $100 of shareholder capital generates $40 in annual profit, vs $32 for GOOGL. JFIN carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to GOOGL's 0.17x. On the Piotroski fundamental quality scale (0–9), GOOGL scores 7/9 vs JFIN's 6/9, reflecting strong financial health.
| Metric | JFINJiayin Group Inc. | GOOGLAlphabet Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +39.7% | +31.8% |
| ROA (TTM)Return on assets | +21.6% | +22.2% |
| ROICReturn on invested capital | +39.9% | +24.7% |
| ROCEReturn on capital employed | +32.2% | +30.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.02x | 0.17x |
| Net DebtTotal debt minus cash | -$489M | $41.3B |
| Cash & Equiv.Liquid assets | $541M | $30.7B |
| Total DebtShort + long-term debt | $52M | $72.0B |
| Interest CoverageEBIT ÷ Interest expense | — | 903.26x |
Total Returns (with DRIP)
A $10,000 investment in GOOGL five years ago would be worth $30,266 today (with dividends reinvested), compared to $18,492 for JFIN. Over the past 12 months, GOOGL leads with a +83.6% total return vs JFIN's -25.5%. The 3-year compound annual growth rate (CAGR) favors GOOGL at 51.5% vs JFIN's 42.3% — a key indicator of consistent wealth creation.
| Metric | JFINJiayin Group Inc. | GOOGLAlphabet Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +7.6% | -1.1% |
| 1-Year ReturnPast 12 months | -25.5% | +83.6% |
| 3-Year ReturnCumulative with dividends | +188.0% | +247.8% |
| 5-Year ReturnCumulative with dividends | +84.9% | +202.7% |
| 10-Year ReturnCumulative with dividends | -47.2% | +773.4% |
| CAGR (3Y)Annualised 3-year return | +42.3% | +51.5% |
Risk & Volatility
GOOGL is the less volatile stock with a 0.99 beta — it tends to amplify market swings less than JFIN's 1.08 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GOOGL currently trades 89.3% from its 52-week high vs JFIN's 33.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JFINJiayin Group Inc. | GOOGLAlphabet Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.08x | 0.99x |
| 52-Week HighHighest price in past year | $19.23 | $349.00 |
| 52-Week LowLowest price in past year | $5.73 | $140.53 |
| % of 52W HighCurrent price vs 52-week peak | +33.7% | +89.3% |
| RSI (14)Momentum oscillator 0–100 | 51.9 | 40.8 |
| Avg Volume (50D)Average daily shares traded | 74K | 28.2M |
Analyst Outlook
Wall Street rates JFIN as "Buy" and GOOGL as "Buy". For income investors, JFIN offers the higher dividend yield at 12.76% vs GOOGL's 0.26%.
| Metric | JFINJiayin Group Inc. | GOOGLAlphabet Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $357.19 |
| # AnalystsCovering analysts | 1 | 81 |
| Dividend YieldAnnual dividend ÷ price | +12.8% | +0.3% |
| Dividend StreakConsecutive years of raises | 2 | 2 |
| Dividend / ShareAnnual DPS | $5.67 | $0.82 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +2.7% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 100 | 230.21 | +130.2% |
| Alphabet Inc. (GOOGL) | 100 | 495.8 | +395.8% |
Alphabet Inc. (GOOGL) returned +203% over 5 years vs Jiayin Group Inc. (JFIN)'s +85%. A $10,000 investment in GOOGL 5 years ago would be worth $30,266 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | $591M | $5.8B | +881.4% |
| Alphabet Inc. (GOOGL) | $90.3B | $403.0B | +346.4% |
Alphabet Inc.'s revenue grew from $90.3B (2016) to $403.0B (2025) — a 18.1% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | -65.9% | 18.2% | +127.6% |
| Alphabet Inc. (GOOGL) | 21.6% | 32.8% | +52.0% |
Alphabet Inc.'s net margin went from 22% (2016) to 33% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 0.5 | 0.3 | -40.0% |
| Alphabet Inc. (GOOGL) | 58.5 | 29 | -50.4% |
Jiayin Group Inc. has traded in a 0x–1x P/E range over 6 years; current trailing P/E is ~2x. Alphabet Inc. has traded in a 19x–59x P/E range over 9 years; current trailing P/E is ~29x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | -7.8 | 19.88 | +354.9% |
| Alphabet Inc. (GOOGL) | 1.39 | 10.81 | +677.7% |
Alphabet Inc.'s EPS grew from $1.39 (2016) to $10.81 (2025) — a 26% CAGR.
Chart 6Free Cash Flow — 5 Years
Jiayin Group Inc. generated $686M FCF in 2024 (+278% vs 2021). Alphabet Inc. generated $73B FCF in 2025 (+9% vs 2021).
JFIN vs GOOGL: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is JFIN or GOOGL a better buy right now?
Jiayin Group Inc. (JFIN) offers the better valuation at 2.2x trailing P/E (1.7x forward), making it the more compelling value choice. Analysts rate Jiayin Group Inc. (JFIN) a "Buy" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — JFIN or GOOGL?
On trailing P/E, Jiayin Group Inc. (JFIN) is the cheapest at 2.2x versus Alphabet Inc. at 28.8x. On forward P/E, Jiayin Group Inc. is actually cheaper at 1.7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Jiayin Group Inc. wins at 0.11x versus Alphabet Inc.'s 0.91x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — JFIN or GOOGL?
Over the past 5 years, Alphabet Inc. (GOOGL) delivered a total return of +202.7%, compared to +84.9% for Jiayin Group Inc. (JFIN). A $10,000 investment in GOOGL five years ago would be worth approximately $30K today (assuming dividends reinvested). Over 10 years, the gap is even starker: GOOGL returned +773.4% versus JFIN's -47.2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — JFIN or GOOGL?
By beta (market sensitivity over 5 years), Alphabet Inc. (GOOGL) is the lower-risk stock at 0.99β versus Jiayin Group Inc.'s 1.08β — meaning JFIN is approximately 10% more volatile than GOOGL relative to the S&P 500. On balance sheet safety, Jiayin Group Inc. (JFIN) carries a lower debt/equity ratio of 2% versus 17% for Alphabet Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — JFIN or GOOGL?
Alphabet Inc. (GOOGL) is the more profitable company, earning 32.8% net margin versus 18.2% for Jiayin Group Inc. — meaning it keeps 32.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GOOGL leads at 32.1% versus 21.5% for JFIN. At the gross margin level — before operating expenses — JFIN leads at 64.9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is JFIN or GOOGL more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Jiayin Group Inc. (JFIN) is the more undervalued stock at a PEG of 0.11x versus Alphabet Inc.'s 0.91x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Jiayin Group Inc. (JFIN) trades at 1.7x forward P/E versus 27.3x for Alphabet Inc. — 25.6x cheaper on a one-year earnings basis.
07Which pays a better dividend — JFIN or GOOGL?
All stocks in this comparison pay dividends. Jiayin Group Inc. (JFIN) offers the highest yield at 12.8%, versus 0.3% for Alphabet Inc. (GOOGL).
08Is JFIN or GOOGL better for a retirement portfolio?
For long-horizon retirement investors, Alphabet Inc. (GOOGL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.99), +773.4% 10Y return). Both have compounded well over 10 years (GOOGL: +773.4%, JFIN: -47.2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between JFIN and GOOGL?
These companies operate in different sectors (JFIN (Communication Services) and GOOGL (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced. In terms of investment character: JFIN is a small-cap deep-value stock; GOOGL is a mega-cap quality compounder stock. JFIN pays a dividend while GOOGL does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.
- Sector: Communication Services
- Market Cap > $100B
- Net Margin > 15%
- Dividend Yield > 5.1%